The report from the Business Finance Observatory (OFE) on VSEs 'and SMEs' access to banking services, which has just been submitted to Bercy, could well shake up some fixed certainties. According to its conclusions, the banks not only offer a variety of offers, but are also making
"an effort to adapt to company profiles and local issues"
. Who would have believed it, even if, a sign of high competitive pressure, their prices vary from one establishment and territory to another. The weight of bank charges represents on average only 0.45% of the turnover of VSEs and SMEs, ie an amount less than 1,100 euros per year (1,700 euros in the event of overdraft costs).
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While many companies encountered financial difficulties last year after the start of the pandemic, only 14.7% of them paid less than 240 euros in bank charges, and 16.7% saw their invoice exceed 1,800 euros.
In 2019, nearly
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